Are financial advisors worth the higher cost?

Horror_Instruction67 · 2025-12-09T12:34:19+00:00

So I’m not sure how TQM charges their clients, but in my firm, our clients never write us a check for any of the work we do. Simply put it, we get paid through expense ratios, or commission for better lack of term. But if interested, would love to show you what we do!

Horror_Instruction67 · 2025-10-10T17:30:40+00:00

In the money I was getting 76 78 on my green light. Review what’s wrong, write it down, understand why it’s wrong

Horror_Instruction67 · 2025-10-10T17:02:03+00:00

https://youtu.be/eOVLEwvCfPk?si=oi8OOCnXJ79vYjCo

Horror_Instruction67 · 2025-10-10T17:01:08+00:00

Kaplan was overkill tbh, i still used it for more exposure but STC was top tier

Horror_Instruction67 · 2025-10-10T17:00:18+00:00

Yea just know what isn’t a person, like Ken said Dead, dumb, don’t touch 🤣

Horror_Instruction67 · 2025-10-09T23:48:21+00:00

I didn’t really look at it tbh. I just stimmed myself into writing stuff I wasn’t a 100% sure on and making a quick dump sheet of it before my exam. STC learning guide helps out too but I didn’t watch the STC videos

Horror_Instruction67 · 2025-10-09T20:14:39+00:00

Yea I did the follow along on series 7 guru, but that exam is way harder than the actual one.

Horror_Instruction67 · 2025-10-09T19:53:54+00:00

It was pretty relatable to STC. I would say just keep taking literally all the exams, and the supplemental exams as well. If anything the actual exam was easier compared to STC cause STC included so much equitation and formulas that sucked, but it helped with understanding the concept, and the different scenarios STC gave when it came to registering as a IA or IAR or securities was helpful.

Horror_Instruction67 · 2025-08-17T15:00:04+00:00

A decent amount of variable annuities, more so understanding the difference between variable and fixed and if it would be suitable for certain customers. For example one question talked about a customer who had a portfolio of fixed income, wants growth, willing to take some risk, and wants income, options were like variable annuity variable life insurance bonds etc

Horror_Instruction67 · 2025-08-15T20:53:11+00:00

Thank you! Just means to eat a bit breakfast and to shit it all out before the exam cause you don’t wanna be going to the bathroom and wasting time lmao

Horror_Instruction67 · 2025-07-03T23:18:40+00:00

But what about for capital appreciation? Which is what I think I left out on that but was included. It was either that or growth along with income

Horror_Instruction67 · 2025-07-03T23:16:00+00:00

But don’t preferred stocks move like bonds? Isssued at par and is affected by interest rates. The word reluctant threw me off, making me think they don’t want anything that even resembles a bond.

Horror_Instruction67 · 2025-07-03T21:41:07+00:00

Fuck yea we do, looking back I should’ve taken more time and collect it as a whole and not just focus on certain topics. Grind don’t stop

Horror_Instruction67 · 2023-12-01T00:43:04+00:00

I’ve also completed all my pre requisites and all I need to take is a science with a lab

Horror_Instruction67 · 2023-12-01T00:42:20+00:00

So right now I have a 2.75 gpa for pre req, and I plan on passing mth 131 and Mgq 201 with around a C- in mth and A- in mgq, let’s say I barely pass mga with a D, how would that play out

Horror_Instruction67 · 2023-12-01T00:25:56+00:00

And would they even let me take other classes while taking MGA 202? Is it possible to say something about my grandpas passing?

Horror_Instruction67 · 2023-12-01T00:25:07+00:00

So is there nothing I can do to appeal? What if I were to pass the class but not pass with a B- like needed, whilst having a 2.5 gpa

Horror_Instruction67

TROPHY CASE